CBD, vape, firearms & nutraceutical
High-risk doesn't have to mean unstable. CBD, vape, firearms, nutraceutical, and adult businesses get shut down monthly by processors who never wanted them in the first place. Xray Payment works directly with banks that built their book on these verticals — stable MIDs, real underwriting, and no surprise account closures.
Why generic processing fails Specialty & High-Risk.
Account closed without warning
Processor decides CBD is too risky on a Tuesday. Your business is offline Wednesday. Welcome to high-risk.
Funds held for 180 days
"Underwriting review" turns into a 6-month hold of your reserves. Your business dies waiting.
Chargebacks killing your ratio
1% chargeback ratio is the threshold. You hit 1.2% in March and you're on a watchlist for the rest of the year.
Gateway saying "we don't support that"
Your CBD products won't process. Your vape products won't process. Your firearms won't process. Different excuse every quarter.
What Xray actually configures for Specialty & High-Risk.
Direct underwriting with high-risk-friendly banks
We place you with banks that actually want your business. Real underwriting upfront means no surprise reversals.
Reasonable reserves, no surprise holds
Standard rolling reserve sized to your real risk profile. No 180-day surprises. You see your money on schedule.
Verifi + Ethoca chargeback alerts
24-hour alert before a dispute hits your account. Refund the customer, prevent the chargeback. Keep your ratio under 1%.
High-risk compliant gateway
NMI and our XRay Gateway support all high-risk verticals with proper MCC. Hosted checkout, AVS, CVV, 3DS2 — full stack.
The terminals we ship for Specialty & High-Risk.
Every device pre-configured for your account, menu, and tip prompts before it ships.
Clover Mini
For in-person sales — head shops, dispensaries, vape stores.
Valor VP550C
Android touchscreen — handles age verification natively.
Dejavoo P8
Flagship countertop — runs the full Dejavoo software bundle.
Programs we run
Configured on your account before activation.
- High-risk MIDs with real banks (not aggregators)
- Reasonable rolling reserves
- Verifi + Ethoca chargeback alerts
- NMI and XRay Gateway for online
- Age verification for 21+ verticals
- Surcharge programs where permitted
Software & integrations
Bidirectional, real-time wherever supported.
- Shopify (with high-risk-compatible gateway)
- WooCommerce
- BigCommerce
- Magento
- Custom REST API
Features tuned for Specialty & High-Risk.
What it looks like on a Tuesday.
CBD ecommerce doing $1.4M/year: orders flow through Shopify → NMI gateway → high-risk MID at a Florida bank. Each order auths cleanly with 3DS2 + AVS + CVV. Customer Vault tokenizes for repeat purchase. Three weeks in, a customer disputes a $89 order — Verifi alert fires 24 hours before the chargeback. We refund $89 directly; chargeback never hits the account; ratio stays at 0.4%. Funds release on a 5-day rolling schedule; no surprises.
Why generic processors fall short.
Stripe, Square, PayPal — none of them want CBD, vape, firearms, or nutraceutical. They sign you up via a soft application, take a few months of fees, then close your account when their compliance team notices. The smart play is to underwrite correctly upfront with a bank that wants the business.
The actual math.
A CBD ecommerce doing $1.4M with a typical aggregator (3.5% + monthly account-closure risk) pays $49K in fees + faces existential risk every quarter. Direct underwriting at 2.95% + chargeback alerts saves $7K/year in fees and effectively saves the business itself.
Specialty & High-Risk questions, straight answers.
Will my account get shut down?
Not if we underwrite correctly upfront. We work with banks that specialize in your vertical — they're not surprised by what you sell.
What's my reserve going to be?
Typically 5-10% rolling for 90-180 days, depending on chargeback history and vertical. We disclose this in the underwriting term sheet.
What is a chargeback alert worth?
Verifi/Ethoca alerts let you refund-prevent before a dispute. Each prevented chargeback saves you $25 in fees + the transaction amount + protects your ratio. Industry-standard for high-risk.
Can I take international cards?
Yes — multi-currency processing via NMI. Higher fraud rules apply; we set up the gateway to handle international shipping flags.
